{"id":3086,"date":"2025-10-14T20:01:09","date_gmt":"2025-10-14T18:01:09","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3086"},"modified":"2026-03-10T13:28:29","modified_gmt":"2026-03-10T12:28:29","slug":"atm-reachability","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-reachability\/","title":{"rendered":"ATM reachability"},"content":{"rendered":"\n\t<div data-name=\"acf\/hero\" class=\"alignfull mt-0\">\n\t\t<div data-component=\"hero-image-square\" class=\"bg-ocean-50\">\n\t<div class=\"flex flex-col items-center py-8 md:py-12 gap-8 md:gap-16 lg:gap-24 ll-container md:flex-row\">\n\t\t<div class=\"w-full space-y-4 \">\n\t\t\t<h1 class=\"text-xl sm:text-2xl font-normal lg:text-3xl\">Reachability of cash<\/h1>\n\n\t\t\t\t\t\t\t<div class=\"space-y-10\">\n\t\t\t\t\t<div class=\"text-lg\">\n\t\t\t\t\t\tCash is still easily reachable in the Netherlands: more than 99% of households have access to an ATM or bank branch within five kilometers. At the same time, the number of physical locations is declining due to the growth of digital payments, which has made vulnerable groups more critical about reachability. Agreements in the Cash Covenant and structural monitoring in the National Forum on the Payment System are working to guarantee the availability, reachability, and availability of cash, now and in the future.\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"relative -translate-x-[5%] aspect-552\/480 w-[80%] max-w-[306px] md:max-w-[266px] lg:max-w-[294px]\">\n\t\t\t\t<div class=\"relative w-full h-full overflow-hidden image:absolute image:h-full image:w-full image:object-cover image:mask-hexagon\">\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"273\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Geldautomaat-wegwijzer-1024x273.png\" class=\"attachment-large size-large\" alt=\"\" loading=\"eager\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Geldautomaat-wegwijzer-1024x273.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Geldautomaat-wegwijzer-300x80.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Geldautomaat-wegwijzer-768x205.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<span class=\"absolute right-0 top-0 w-auto h-full translate-x-[20%] svg:h-full svg:w-auto\" aria-hidden=\"true\">\n\t\t\t\t\t<svg aria-hidden=\"true\" width=\"263\" height=\"480\" viewBox=\"0 0 263 480\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path opacity=\"0.8\" d=\"M108.671 0.337891C118.22 0.337891 130.762 7.5647 135.698 15.7659L259.419 224.775C264.194 232.895 264.194 247.105 259.419 255.225L135.698 464.234C130.843 472.435 118.22 479.662 108.671 479.662H0L141.928 240.122L0.404557 0.337891H108.59H108.671Z\" fill=\"url(#paint0_linear_6455_12637)\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_6455_12637\" x1=\"57.5093\" y1=\"0.337898\" x2=\"361.898\" y2=\"138.726\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#CFFDC0\"\/>\n<stop offset=\"1\" stop-color=\"#6FB6E3\"\/>\n<\/linearGradient>\n<\/defs>\n<\/svg>\n\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-reachability\">Reachability<\/h2>\n\n\n\n<p>The reachability of cash in the Netherlands is still very good: more than 99% of all Dutch households have a bank branch or <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-infrastructure\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-infrastructure\/\"><strong><u>ATM<\/u><\/strong><\/a> within five kilometers as the crow flies. Reachability to <a href=\"https:\/\/www.betaalvereniging.nl\/kennisbank\/contant-betalingsverkeer\/contant-geld\/\"><strong><u>cash<\/u><\/strong><\/a> therefore remains well organized, both for consumers who want to withdraw money and for merchants who want to deposit money.<\/p>\n\n\n\n<p>Nevertheless, some vulnerable groups have become more critical of the distance to bank branches and ATMs. This is because the number of physical locations has decreased in recent years, especially in smaller villages and nation wide areas. At the same time, the use of debit cards and internet or mobile banking has increased significantly, resulting in less use of bank branches, ATMs, and deposit locations. This has led to social and political debate about the future reachability of cash.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cash-agreement\">Cash Agreement<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/cash-covenant\/\" type=\"btv_wiki\" id=\"260\"><strong><u>Cash Convenant<\/u><\/strong><\/a> was drawn up in 2022. The agreements in this covenant aim to ensure that cash continues to function properly as a means of payment at the counter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-acceptance-of-cash\">Acceptance of cash<\/h2>\n\n\n\n<p>For the first time, specific attention was paid to the acceptance of cash. Almost all shops and other points-of-sale still accept cash.<\/p>\n\n\n\n<p>However, this requires extra attention for organizations with a <strong>local monopoly<\/strong>, such as municipal counters or institutions where there is no alternative provider in the vicinity. In such situations, it is important that consumers continue to have the option of paying in cash.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-accessibility\">Accessibility<\/h2>\n\n\n\n<p>The Dutch Payments Association considers it important that <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/payments-for-all\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/payments-for-all\/\"><strong><u>as many people as possible can continue to use payment services<\/u><\/strong><\/a>. Vulnerable groups must also be able to manage their daily banking affairs as independently as possible. That is why the Dutch Payments Association is a member of the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/association\/nfps\/\"><strong><u>National Forum on the Payment System<\/u><\/strong><\/a> (NFPS), which closely monitors reachability and availability issues.<\/p>\n\n\n\n<p>As fewer and fewer people pay with cash, the network of ATMs and bank branches with cash functions is also shrinking. This is leading to social and political debate, particularly nation wide.<\/p>\n\n\n\n\t<div data-name=\"acf\/data-pairs\" class=\"align\" >\n\t\t<div class=\"\">\n\t\t\t<div class=\"@container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 md:mb-8 text-xl md:text-2xl w-full @5xl:text-center\">Facts and figures<\/h2>\n\t\t\t\t\t\t\t\t<ul class=\"items-stretch grid grid-cols-1 gap-4 @2xl:gap-12 gap-y-8 @5xl:gap-y-12 @xl:grid-cols-2 @2xl:grid-cols-3 @4xl:text-zoom-lg:grid-cols-2 \">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t<div class=\"w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full\n\t\t\t\tbefore:absolute before:top-1\/2 before:left-1\/2 before:-translate-1\/2 before:w-[90%] before:h-[90%] before:bg-ocean-50 before:rounded-full before:-z-10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg class=\"-translate-1\/2 absolute left-1\/2 top-1\/2 w-full h-full\" width=\"120\" height=\"120\" viewBox=\"0 0 120 120\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\">\n\t\t\t\t\t\t<circle\n\t\t\t\t\t\t\tclass=\"stroke-ocean-500\"\n\t\t\t\t\t\t\tcx=\"60\"\n\t\t\t\t\t\t\tcy=\"60\"\n\t\t\t\t\t\t\tr=\"54\"\n\t\t\t\t\t\t\tstroke-width=\"0.6rem\"\n\t\t\t\t\t\t\tfill=\"none\"\n\t\t\t\t\t\t\tstroke-linecap=\"round\"\n\t\t\t\t\t\t\tstroke-dasharray=\"339.292\"\n\t\t\t\t\t\t\tstroke-dashoffset=\"339.292\"\n\t\t\t\t\t\t\ttransform=\"rotate(-90 60 60)\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<animate\n\t\t\t\t\t\t\tattributeName=\"stroke-dashoffset\"\n\t\t\t\t\t\t\tfrom=\"339.292\"\n\t\t\t\t\t\t\tto=\"274.147936\"\n\t\t\t\t\t\t\tdur=\"1.5s\"\n\t\t\t\t\t\t\tfill=\"freeze\"\n\t\t\t\t\t\t\t\/>\n\t\t\t\t\t\t<\/circle>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/div>\n\t\t\t\t<span class=\"absolute left-1\/2 top-1\/2 -translate-1\/2 text-2xl text-base-500 @sm:text-3xl @xl:text-2xl\" aria-hidden=\"true\">\n\t\t\t\t\t\n\t\t\t\t\t\t<span id=\"counter-69df6ae27ecb1\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:&quot;19.2&quot;}\">\n\t\t\t\t\t\t\t19.2\n\t\t\t\t\t\t<\/span>%\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t19.2% \t\t\t\tIn 2024, approximately 1.38 billion cash transactions were made at the point-of-sale in the Netherlands, accounting for 19.2% of all payments \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tIn 2024, approximately 1.38 billion cash transactions were made at the point-of-sale in the Netherlands, accounting for 19.2% of all payments\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"text-lg bg-ocean-50 w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full flex flex-wrap gap-1 items-center justify-center text-center\"\n\t\t\t\t\t  aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-69df6ae27ed2a\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:5}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t5\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"-ml-[0.2em] -mr-[0.2em] inline-block\">.<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-69df6ae27ed3b\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:77}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t77\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"inline-block break-words\">billion<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t5.77billion \t\t\t\tThe vast majority of transactions, namely 5.77 billion payments (or 80.8%), were made electronically by debit card or credit card \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tThe vast majority of transactions, namely 5.77 billion payments (or 80.8%), were made electronically by debit card or credit card\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"text-xl bg-ocean-50 w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full flex flex-wrap gap-1 items-center justify-center text-center\"\n\t\t\t\t\t  aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-69df6ae27ed7d\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:129}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t129\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"inline-block break-words\">million<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t129million \t\t\t\tIn 2022, there were 129 million ATM withdrawals (GEA withdrawals) \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tIn 2022, there were 129 million ATM withdrawals (GEA withdrawals)\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Cash is still easily reachable in the Netherlands: more than 99% of households have access to an ATM or bank branch within five kilometers. At the same time, the number of physical locations is declining due to the growth of digital payments, which has made vulnerable groups more critical about reachability. Agreements in the Cash Covenant and structural monitoring in the National Forum on the Payment System are working to guarantee the availability, reachability, and availability of cash, now and in the future.<\/p>\n","protected":false},"featured_media":3233,"parent":10,"menu_order":2,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[8],"class_list":["post-3086","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-cash-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>ATM reachability - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"ATM reachability in the Netherlands: 99% of households have cash access within 5 km, safeguarded by national agreements.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-reachability\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ATM reachability\" \/>\n<meta property=\"og:description\" content=\"ATM reachability in the Netherlands: 99% of households have cash access within 5 km, safeguarded by national agreements.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-reachability\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-10T12:28:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Geldautomaat-wegwijzer-scaled.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-reachability\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/atm-reachability\/\",\"name\":\"ATM reachability - 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